Jianjia Rehabilitation and ZhongAn Insurance Pioneer Industry-First Integration of Dedicated Rehabilitation Coverage into Million-Dollar Medical Insurance

On December 17, Jianjia Rehabilitation entered into a strategic partnership with ZhongAn Insurance, a leading internet insurance provider, announcing the innovative inclusion of exclusive rehabilitation medical coverage in ZhongAn’s “Zunxiang E-Sheng 2026” million-yuan medical insurance product. This marks the first time in the industry that professional rehabilitation services have been deeply integrated with million-yuan medical insurance, addressing the longstanding limitation of traditional commercial health insurance that covers “treatment” but not “rehabilitation.” The collaboration provides users with a comprehensive, full-cycle healthcare protection solution spanning from clinical treatment to postoperative rehabilitation.

As residents’ health awareness rises, the demand for post-treatment rehabilitation is growing. However, traditional million-yuan medical insurance plans tend to focus primarily on reimbursing inpatient hospitalization costs, providing insufficient coverage for the rehabilitation phase. This leaves policyholders unable to address many challenges they face after discharge, such as high rehabilitation expenses, fragmented service resources, and unprofessional rehabilitation protocols. Data show that China’s disease rehabilitation rates lag significantly behind those of developed countries; nearly 70% of patients fail to achieve optimal treatment outcomes due to a lack of standardized rehabilitation guidance and financial support.

This collaboration between Jianjia Rehabilitation and ZhongAn Insurance precisely addresses this market gap. Leveraging ZhongAn Insurance’s product innovation capabilities and extensive user base in the million-yuan medical insurance sector, and combining them with Jianjia Rehabilitation’s professional resources in rehabilitative medicine, rehabilitation coverage has been formally integrated into the core liability framework of million-yuan medical insurance policies. This creates a closed-loop “treatment + rehabilitation” coverage model, enabling users to not only receive reimbursement for treatment expenses but also access professional, convenient, and affordable rehabilitative medical services.

The innovative coverage plan launched through this collaboration builds upon the existing insurance liabilities of ZhongAn’s Million Medical Insurance, offering targeted upgrades to address the rehabilitation needs of patients with critical and specific diseases, and highlighting three core features:

Upon hospital confirmation of a diagnosis of a critical illness or specific disease covered under the insurance contract, the insured may receive one-on-one rehabilitation assessments at rehabilitation hospitals affiliated with Jianjia Rehabilitation. A professional rehabilitation team will develop a personalized rehabilitation plan based on the patient’s condition and treatment progress, providing comprehensive services that include physical therapy, traditional Chinese medicine physiotherapy, rehabilitation training, and complication management.

Patients can benefit from early rehabilitation interventions during their hospitalization, ensuring a seamless transition to Jianjia Rehabilitation’s services upon discharge, thereby achieving comprehensive medical support spanning “treatment–rehabilitation–follow-up.” Furthermore, rehabilitation expenses incurred at Jianjia Rehabilitation are reimbursable in accordance with insurance policy terms, significantly reducing the financial burden on patients.

All rehabilitation hospitals under Jianjia Rehabilitation are qualified to provide specialized rehabilitative medical services. They boast professional teams of rehabilitation physicians and therapists, along with advanced rehabilitation equipment. All rehabilitation services adhere to national medical standards, ensuring that patients receive safe and effective rehabilitative treatment.

As a benchmark enterprise in China’s rehabilitation medical sector, Jianjia Rehabilitation has established rehabilitation hospitals in multiple core cities across the country through its chain-based layout, standardized operations, and professional services. It has formed a comprehensive rehabilitation medical service system covering critical care rehabilitation, neurological rehabilitation, orthopedic rehabilitation, and other fields, earning consistent acclaim within the rehabilitation healthcare industry and among patients. In the 2024–2025 China Hospital Competitiveness Ranking released by AiLiBi, hospitals under Jianjia Rehabilitation demonstrated outstanding performance. Jianjia Medical Group ranked among the Top 100 Private Healthcare Groups in China, with seven of its affiliated institutions listed on the ranking and six honored as part of the “Top 50 Private Rehabilitation Hospitals.”

As China’s first internet insurance company, ZhongAn Insurance has always centered its core competitiveness on product innovation. Its million-yuan medical insurance products have served over ten million users, leveraging advantages such as high cost-effectiveness, comprehensive coverage, and convenient claims processing. This collaboration marks a significant breakthrough in ZhongAn Insurance’s strategic layout of the “Insurance + Rehabilitation” ecosystem. By integrating high-quality medical resources, the company further extends its insurance service value chain and enhances the core competitiveness of its products.

The partnership between Jianjia Rehabilitation and ZhongAn Insurance marks the formal entry of China’s healthcare security industry into a new phase that places equal emphasis on treatment and rehabilitation. As the collaboration deepens, it will provide more robust protection for residents’ health rights and inject new momentum into the implementation of the Healthy China strategy.

The establishment of this strategic partnership not only delivers tangible enhancements in coverage for million-yuan medical insurance policyholders, but also sets a new industry benchmark for the deep integration of “insurance + rehabilitation.” Building on this collaboration, both parties plan to further expand the scope of their partnership by strengthening efforts in expanding rehabilitation service network coverage, implementing intelligent rehabilitation assessments, and customizing personalized insurance solutions. They aim to explore additional innovative service models, thereby extending the benefits of professional rehabilitation coverage to more families.